Rair Capital
Rair Capital is a private commercial lending marketplace that connects commercial borrowers with a network of 10,000+ lenders across CRE, cannabis, and business working capital verticals, operating from Tampa, FL and Bloomfield Hills, MI.
- Company typePrivate
- Founded2022
- HeadquartersTampa, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Rair Capital does
Rair Capital is a commercial lending marketplace founded in 2022 that connects commercial borrowers with a network of more than 10,000 lender relationships spanning banks, credit unions, debt funds, government agencies (Fannie Mae, Freddie Mac, HUD), CMBS conduits, life insurance companies, crowdfunding platforms, and specialized cannabis lenders. The company does not itself underwrite, fund, or guarantee loans; it operates a digital application intake and matching platform that surfaces borrowers to appropriate lenders in its network. Three core service lines are offered: commercial real estate lending (acquisition, refinance, construction through SBA, CMBS, life company, and government programs); cannabis real estate lending and working capital (acquisition, construction, sale-leaseback, and operational financing for licensed operators); and corporate/business working capital (lines of credit, term loans, equipment financing, factoring, purchase order financing). Loan sizes range from $50,000 in working capital facilities to $100 million-plus in commercial real estate, with interest rates spanning approximately 3.95% on HUD multifamily products to 16% on cannabis construction loans.
Rair Capital firmographics
Firmographics- Name
- Rair Capital
- Legal name
- Rair Capital LLC
- Website
- https://raircapital.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Rair Capital is a private commercial lending marketplace that connects commercial borrowers with a network of 10,000+ lenders across CRE, cannabis, and business working capital verticals, operating from Tampa, FL and Bloomfield Hills, MI.
- Ownership category
- akta.pro rank
Rair Capital industry classification
Industry- Product category
- Commercial Lending Marketplace
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Real Estate Credit (522292), Nondepository Credit Intermediation (5222)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- SME Lending & Working Capital Platforms (FSAGAJAA)
- akta.pro secondary industries
- Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH), SME Commercial Real Estate (CRE) Lending (FSABABAG), Government Wholesale Lending (FHA/VA/USDA) (FSALACAE), SME Term Loans & Growth Capital (FSAKAGAB)
Keywords
Where Rair Capital is headquartered
LocationHeadquarters
- HQ city
- Tampa
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Rair Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations
Revenue model
- Platform/Marketplace Services: Rair Capital operates as a lending platform/marketplace that connects commercial borrowers with lenders. The company provides administrative platform services to facilitate loan matching. The company is not itself a lender and does not guarantee funding or make credit decisions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Multi-year contract | Bank Loans - Commercial Real Estate |
| Transaction based/ take rate | Multi-year contract | Credit Union Loans |
| Transaction based/ take rate | Multi-year contract | Fannie Mae Multifamily Loans |
| Transaction based/ take rate | Multi-year contract | Freddie Mac Loans |
| Transaction based/ take rate | Multi-year contract | CMBS Loans |
| Transaction based/ take rate | Multi-year contract | Crowdfunding Loans |
| Transaction based/ take rate | Multi-year contract | HUD/FHA Multifamily Loans |
| Transaction based/ take rate | Multi-year contract | Life Insurance Company Loans |
| Transaction based/ take rate | Multi-year contract | SBA Government Loans |
| Transaction based/ take rate | Multi-year contract | Cannabis Real Estate Loans |
| Transaction based/ take rate | Multi-year contract | Cannabis Construction Loans |
| Transaction based/ take rate | Multi-year contract | Cannabis Sale-Leaseback |
| Transaction based/ take rate | Multi-year contract | Business Working Capital |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Rair Capital product offering
Product offeringCore offering
Rair Capital operates a commercial lending marketplace that connects commercial borrowers with a network of 10,000+ lenders, including banks, credit unions, government agencies (Fannie Mae, Freddie Mac, HUD), CMBS conduits, life insurance companies, debt funds, and specialized cannabis lenders. The company offers three core product lines: Commercial Real Estate Lending (acquisitions, refinancing, construction, SBA), Cannabis Real Estate Lending & Business Working Capital, and Corporate & Business Working Capital (lines of credit, term loans, equipment financing, factoring). Rair Capital is not itself a lender; it earns transaction-based fees by matching borrowers with appropriate lenders from its network.
Product overview
Rair Capital operates as a commercial lending platform connecting borrowers with a network of 10,000+ lenders. The platform offers three core lending services: Commercial Real Estate Lending (financing for property acquisitions, refinancing, and construction through various lender types including banks, CMBS, life insurance companies, and government agencies), Cannabis Real Estate Lending & Business Working Capital (specialized financing for cannabis industry properties and operations including acquisition loans, construction loans, and sale-leaseback options), and Corporate and Business Working Capital (lines of credit, term loans, equipment financing, factoring, and purchase order financing). The company is affiliated with C3 CRE, LLC (commercial real estate brokerage) and Corbco Ventures, LLC (commercial development and investments), forming a vertically integrated network for comprehensive commercial real estate services.
Differentiator
Problem solved
Functional benefit
Products and services
- Commercial Real Estate Lending Financing options for commercial property acquisitions, cash-out refinancing, and construction loans for new developments and renovations, including SBA Government Loans for owner-occupiers. Matches commercial real estate borrowers with bank, credit union, government agency, CMBS, life insurance company, debt fund, and HUD lenders through a single application.
- Cannabis Real Estate Lending & Business Working Capital Specialized lending services for cannabis industry properties and operations, including acquisition loans, construction loans, and sale-leaseback options for licensed operators, plus working capital solutions. Aimed at licensed cannabis operators who face limited access to mainstream banking.
- Corporate and Business Working Capital Business financing solutions including secured and unsecured lines of credit, term loans, business acquisition loans, unsecured and non-dilutive capital (including Merchant Cash Advances), equipment financing, and factoring and purchase order financing services for small and medium businesses, with funding available in 24-48 hours.
Quantifiable outcome
- Access to 10,000+ active lending relationships
- +2 more outcomes
Companies that use Rair Capital
Customer profileSegments3 records
Ideal customer profiles3 records
Rair Capital technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Rair Capital partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Corbco Ventures, LLCcoreCorbco Ventures, LLC is a commercial real estate development company that invests in commercial real estate, cannabis & CBD, retail & restaurants, technology, and other areas. The affiliation enables Rair Capital to offer commercial development and investment services in Michigan and nationwide. Corbco Ventures has a proven track record of success in developing commercial properties with impressive expertise, morals, and ethics, always putting clients' best interests first.
- C3 CRE, LLCcoreC3 CRE, LLC is a professional brokerage company specializing in retail, cannabis, industrial, and other commercial assets. The strategic affiliation allows Rair Capital to provide comprehensive commercial real estate services through brokerage expertise. C3 CRE is vertically integrated with Rair Capital and Corbco Ventures, enabling focus on long-term outcomes for client development and success.
Scale indicators3 records
Recent moves4 records
Expansion highlights5 records
Rair Capital competitors and assessment
Company assessmentDirect peers
- LendingTree: LendingTree operates a digital lending marketplace connecting consumers and small businesses with multiple lenders across mortgage, personal, and commercial loan products—directly analogous to Rair Capital's marketplace matching model with broad lender network.
- Lendio: Lendio runs a small business lending marketplace connecting borrowers with 75+ lenders for term loans, lines of credit, SBA loans, and equipment financing—sharing Rair's SME working capital platform model and lender-aggregation GTM.
- Fundera: Fundera (a NerdWallet company) is a business funding marketplace connecting SMBs with lenders for lines of credit, term loans, SBA loans, and working capital—overlapping directly with Rair's corporate and business working capital vertical.
- Newfi: Newfi is a non-QM and commercial real estate lending/wholesale platform that originates and distributes loans through a network of mortgage brokers—closely aligned with Rair's CRE origination and lender network model.
- Biz2Credit: Biz2Credit is an online small business lending marketplace that prequalifies borrowers and matches them to a network of banks, credit unions, and alternative lenders—directly comparable to Rair's SME lending and matchmaking platform.
- Pelican Capital Group: Pelican Capital Group specializes in cannabis commercial real estate financing including acquisitions, construction, and sale-leasebacks for licensed operators—directly competing with Rair in the cannabis RE lending niche.
Emerging players
- BlueVine: BlueVine provides SMB banking, lines of credit, and term loans through a fintech platform—competing with Rair's business working capital vertical via an integrated, more vertically financed product stack.
- Fundbox: Fundbox provides SMB working capital through revolving credit and invoice factoring products targeted at small businesses—overlapping with Rair's working capital, factoring, and PO financing offerings.
- Groundfloor: Groundfloor operates a real estate debt crowdfunding marketplace allowing retail and accredited investors to fund short-term bridge and fix-and-flip loans—sharing Rair's marketplace-mediated CRE debt model from a different angle.
Broad incumbents
- OnDeck (Enova): OnDeck is an established online small business lender offering term loans and lines of credit with broader distribution, brand recognition, and balance-sheet funding—a scaled incumbent in the SME working capital space where Rair competes.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Rair Capital social profiles
Digital presenceRair Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Rair Capital leadership team
Management profileNumber of profiles
Rair Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Rair Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Rair Capital
What does Rair Capital do?
Rair Capital operates a commercial lending marketplace that connects commercial borrowers with a network of 10,000+ lenders, including banks, credit unions, government agencies (Fannie Mae, Freddie Mac, HUD), CMBS conduits, life insurance companies, debt funds, and specialized cannabis lenders. The company offers three core product lines: Commercial Real Estate Lending (acquisitions, refinancing, construction, SBA), Cannabis Real Estate Lending & Business Working Capital, and Corporate & Business Working Capital (lines of credit, term loans, equipment financing, factoring). Rair Capital is not itself a lender; it earns transaction-based fees by matching borrowers with appropriate lenders from its network.
Is Rair Capital a public or private company?
Rair Capital is a private company. It is classified as unknown and is currently operating.
When was Rair Capital founded?
Rair Capital was founded in 2022. It employs 1 to 10 people.
Where is Rair Capital based?
Rair Capital is headquartered in Tampa, United States, in the North America region.
How does Rair Capital make money?
One revenue line is on record: platform/Marketplace Services.
Who are Rair Capital's main competitors?
Direct peers on record are LendingTree, Lendio, Fundera, Newfi, Biz2Credit and Pelican Capital Group. Emerging players are BlueVine, Fundbox and Groundfloor. OnDeck (Enova) is listed as a broad incumbent.
Does Rair Capital have an API?
No public API is recorded for Rair Capital.
What industry is Rair Capital in?
Rair Capital's product category is Commercial Lending Marketplace. Its primary akta.pro industry code is FSAGAJAA, SME Lending & Working Capital Platforms, with a secondary code of FSAEAEAH, Hard Money & Private Mortgage Lending Intermediation. Its NAICS code is 52231 and its SIC code is 6163.